Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$496,146Cash toward the purchase price.
Closing costs + prepaids$13,490Not just lender fees.
Before credits & paid funds$509,637The complete starting cash picture.
Estimated remaining funds due at closing
$509,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$496,146.15
Your down payment$496,146.15
Closing costs + prepaids$13,490.50
Total buyer cash needed$509,636.65
Remaining funds due$509,636.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,400.00
Prepaid interest, first (2 days)$15.50
Fees + prepaids$13,490.50
Your down payment is the seller’s equity. You take over the $63,854 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $509,636.65 is due at closing. Uses and sources reconcile at $573,490.50 each. Not a Closing Disclosure.